Unzer Direct Bank Transfer
NewLearn more about Unzer Direct Bank Transfer and payment workflow.
Unzer Direct Bank Transfer is a payment method based on the payment initiation service. It is based on open banking technology and enables the customer to securely log into their bank account using their standard credentials and method to initiate a direct payment. The payment is authorized through their bank’s default approval method like one-time password (OTP), fingerprint, or facial recognition.
Note migration
Want to use Unzer Direct Bank Transfer to replace Sofort? If so, there are a few, simple steps you need to follow to enable Unzer Direct Bank Transfer as a replacement for Sofort. Please refer to our dedicated section for Sofort migration overview and the migration guide.
| Payment method type | Bank redirects |
| Available in | Germany |
| Supported currencies | EUR |
Properties
| Redirect | Refund | Partial Refund | Reversal | Chargeback | Recurring | Payout | ||
|---|---|---|---|---|---|---|---|---|
 | | |  | | | |
Advantages
- Payment security: The customer authenticates on their bank site, so there is no confidential data shared between the merchant and the customer.
- Increased customer confidence: The customer does not need to go to any unknown portal to make the payment, and hence the possibility for a successful transaction is higher.
- Speed: Payments are typically faster than traditional methods due to the fact that the open banking rails are used.
- Supported by many banks in Germany
Payment workflow
The following diagram explains the workflow for Unzer Direct Bank Transfer payments.
Step 1: Create an openbanking-pis payment type resource.
A resource ID is generated in the response and is used in the workflow to complete the payment.
Step 2: Make a charge transaction with the openbanking-pis resource that you created.
Step 3: Forward the customer to the redirectUrl that is displayed in the charge response.
Step 4: Once the customer makes the payment on their bank portal, redirect the customer to the returnURL specified in the initial charge call.
Step 5: After the transaction, display the result to the customer in the front end of the online shop.
Integration options
Use pre-built, configurable all-in-one pages with your own mix of payment methods
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Use pre-built forms and quickly integrate with minimum work on the client side
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